Our Insurance Coverage

Happy House Movers provides limited basic coverage for your belongings during the moving process, offering a level of protection while your items are in our care. However, this standard coverage may not fully reflect the total value of your possessions, especially for high-value or sentimental items. Because every move is different and every household contains unique belongings, it’s important to consider additional protection for complete peace of mind.

For that reason, we strongly recommend that customers explore full moving insurance options to ensure their items are fully covered from start to finish. Comprehensive coverage can provide added security against unexpected situations and help safeguard your investment throughout the move.

Basic Coverage (60 cents per pound per article)

Basic coverage is included in the hourly rate at no additional cost to the customer. Under this option, compensation for any lost or damaged items is calculated at $0.60 per pound per item. Happy House Movers also reserves the right to inspect the damaged item and, if possible, repair it before determining reimbursement.

Actual Cash Value

This coverage allows for reimbursement of lost or damaged items based on their actual cash value (depreciated value) at the time of the incident, up to the total amount declared by the customer. We reserve the right to inspect the item and, when possible, repair the damage instead of replacing it. The cost for this coverage is $0.95 per $100 of declared value, with a maximum coverage limit of $5,000.

Full Value

Full value protection is not available through Happy House Movers at this time.